Calculadora de Contribución del Empleador — Fórmula

Employer 401(k) Match

An employer match is essentially free money added to your retirement account based on your contributions.

Common Match Formulas

  • 50% of first 6%: Employer contributes $0.50 for every $1.00 you contribute, up to 6% of salary
  • 100% of first 3%: Dollar-for-dollar match on the first 3% of salary
  • Dollar-for-dollar up to 4%: Full match on the first 4%

    • Formula

    Annual Match = Salary x min(Your%, Match Limit%) x Match Rate

    The Cardinal Rule

    Always contribute at least enough to get the FULL employer match. Not doing so is turning down free money -- an immediate 50-100% return on your contribution.

    Ejemplo Resuelto

    $80,000 salary, contributing 6%, employer matches 50% up to 6%, 20 years at 7%.

    1. Your contribution = $80,000 x 6% = $4,800/year
    2. Employer match = $4,800 x 50% = $2,400/year
    3. Total annual = $4,800 + $2,400 = $7,200
    4. Match future value = $2,400/yr at 7% for 20 years = ~$98,400